One of the very first questions you will be asked for an insurance quotation is your trade, as this will determine what covers you will need most. A garage fixing cars will want a motor-trade policy covering them for various customer vehicles in their control, whereas an architect may want Professional Indemnity cover to insure their advice given is protected.

Some insurance cover may be a legal requirement such as Employers Liability for staff, or Third Party cover on any road going vehicles.

There’s a long list of various types of policy cover available (examples and links below) and we can talk you through their purpose and cost, and feel free to call one of our friendly consultants.

• Public & Employers Liability
• Property
• Commercial Combined (package cover including Liability)
• Travel
• Marine Cargo (Goods in Transit)
• Products Liability
• Professional Indemnity
• Directors & Officers
• Trustee Indemnity
• Bonds & Guarantees
• Motor Trade
• Healthcare
• Medical Malpractice
• Shop Package
• Restaurant Package
• Commercial Vehicle
• Fleet

Using a dedicated insurance broker provides benefits completely unseen when using a comparison site. With AIC, you’re afforded your own dedicated account manager who specialises in the cover you are seeking. Getting to know our clients is paramount to our customer service dedication and getting to know you AND your requirements is part of that. When you use a price comparison website, you are quite literally just a number and just a click-cost.

With any type of cover it is important to present insurers with all the information that will or could possibly affect the way they look at the risk. If this is not provided, insurers have the right to walk away from a claim, to change terms at the time of a claim, or reduce an amount paid depending on which law the insurance adheres to.

A good insurance broker (like AIC) should not be afraid to ask the right questions of a potential policy holder, or suggest ideas that will help in the risk management of the cover in question. Insurance is there to help you in the event of a problem, and it makes no sense to cut corners on something so important. We’re here to help you!

We hate call centres as much as you! Our phones will never be answered by a call centre and only by a staff member. You only deal with your allocated account advisor, so you know who you will be dealing with every time you need to reach out to us.

There are two main ways you can pay your insurance: the full sum to cover the next 12 months upfront, or in 12 monthly instalments over an annual period.

The major drawback to monthly payments is paying by instalment usually makes the total cost of cover higher than it would be if you paid in one go. This is because the insurance company is effectively lending you the money to pay the premium, so it will charge you what amounts to interest on the repayments you make across the year.

By paying In full you are clearing your entire payment all in one go, meaning the insurance company won’t have to lend you the money and you won’t be due any premiums on the loan.

Great question and one we can of course help you with! Business insurance premiums are arrived at by the analysis of your likeliness to have a loss. When you apply for coverage, your information will be analysed by an underwriter who is responsible for determining whether or not they will consider writing a policy for you. Each business has completely different circumstances and we highly advise you to get in contact with us so we can understand and advise in the best possible way.